Service scope:
It is mainly committed to providing small and micro financial institutions with services including business process management, big data analysis, risk decision-making, credit asset transaction matching, etc., helping small and micro financial institutions to realize quantitative risk control management and Internet business transformation, so that the general public and small and micro enterprises have the opportunity to enjoy fair, efficient and appropriate financial services.
Platform partners:
Yibaili, a global information service company and credit reporting agency, Arikin Rong Yun.
Products and services:
1. Big data risk control platform and credit decision management: Combining local personal and microfinance business experience, we introduced the risk control and process management of Yiborui retail microfinance, and formed a big data risk control credit management cloud platform system with the "credit factory" as the criterion and the quantitative risk control decision as the core operation concept; Help microfinance realize the adjustment and optimization of models and strategies at all stages of the entire credit life cycle. Set up risk control processes and business strategy models for different businesses.
2. Application of big data credit and quantitative analysis: Based on the concept of "unified data access". Shenzhourong connects many external data sources such as credit reporting agencies and e-commerce platforms, and through the full authorization of loan users and the standardized platform credit reporting service process, it realizes the real-time query of fresh data in 3000+ dimensions, which can help micro-financial service institutions to conduct in-depth evaluation and mining of credit data in a larger scope; The platform helps financial institutions to build a risk management system that combines quantitative analysis with practice, including the design, development and verification of scorecards such as application, behavior and collection, as well as the design and optimization of credit strategies such as pre-approval, credit approval, application anti-fraud, differentiated pricing, quota management, risk early warning and collection based on automatic scoring. Realize accurate risk assessment and automatic, batch and large-scale business operation, reduce operating costs and improve operating efficiency.
3. Vertical credit products and entrusted assets transactions: In-depth cooperation with large Internet platforms, which have developed credit service products based on different business scenarios and vertically segmented customer markets. Help the Internet platform to achieve high-traffic conversion and fast and differentiated financial services; Help microfinance to obtain effective credit customers on a large scale, improve the quality of credit assets and improve the efficiency of business operations through the collection and application of online and offline behavior and transaction data of users; It is helpful to realize the digital management and quantitative rating of credit asset production process, increase the transparency and credibility of financial asset transfer and transaction, and promote financial asset transaction.
I hope my answer is useful to you.